Trip Interruption Insurance + untruthful vendor

[GPSnV1]

I am trying to resist posting a full length report on the events of this week, but suffice it to say that with 150 miles to go on a 3K trip that spanned 5 weeks, apparently the fuel pump or like device failed. The end result was 4 hours stranded in the hot sun on the side of I-40 with the closest dealer in Tulsa rather than OKC and into a hotel at 10 pm.

So I am told that BMW Interruption Insurance will pay for the costs incurred in the three day change of schedule due to this failure. When I called to ask how to submit the receipts, I was surprised there was not an online form so one must compose a memo/letter.

But I am more concerned about the fact that the first tow truck vendor that showed up knew nothing about BMWs and may have done some damage to the suspension. The Tulsa BMW dealer wanted me to pay for diagnosis and any subsequent charges. I called BMW Assist and the company did not tell the truth about what their driver did to our E70.

Anyone have experience with either one of these scenarios, particularly the latter?